Ok, getting somewhere now. Part of the scoring matrix is utilization percentage where 1-9% is best, 10-33% still good but a slight ding, etc. Zero reporting is a bigger zinger but only for that month as it's basically insinuating that you were inactive. Leave a little reporting each time, even if it's only $1.
The fresh start is a whole different animal. Since you have received a cli from WebBank I will assume you fulfilled the terms of the agreement and now have their fully unsecured card. If so, all is good. If not you will fall into the self made trap a friend of my wife made. She had fresh start and pif'd after two months to save on interest. I tried to explain she was messing up... she of course didn't listen. She ended up with product she grossly overpaid for, received a $100 increase to her fresh start that she is still in, and must now pay the $30 deposit on another purchase and do it all again.
